Join Our Global Community

You can use your credit history from select countries to apply for a Personal Card. American Express, in partnership with Nova Credit, makes it fast and easy for U.S. newcomers to apply.*

Do I have credit history outside of the U.S.?


If you’ve done things like pay bills, own a home or buy a car, you likely have credit history. 

Can my credit history outside the U.S. help me get a credit card here?


With your authorization, we can access your credit history abroad from select countries, which could help you apply for one of our Personal Cards.

Why is it helpful to have a U.S. credit card?


Nova credit

The Credit Passport®, powered by Nova Credit, is seamlessly integrated within the American Express online application to help U.S. newcomers apply for a Personal Card.

Meet Nicky.


I think that the unique value of the Amex Nova customers is that if you’re a U.S. newcomer, you don’t need to be a newcomer to the financial system anymore.”

Meet James.


I just needed to get my foot on the first step of the ladder. Really, I’m very grateful to both American Express and Nova Credit for allowing me to start that journey.”

Live globally, like a local, with American Express

Apply for an American Express Personal Card


Choose the right Card, with the right rewards, for your lifestyle— explore Personal Cards now.

Get your Instant Card Number today


Start experiencing the benefits of Card Membership today, if eligible for an Instant Card Number.

Take it everywhere


Our Cards make traveling, dining, and experiences even more rewarding. Places to use your Card.

Already an American Express Card Member outside the U.S.?

Want to learn more? We’re here to help.


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Understanding how to use your credit card benefits is a part of maintaining healthy finances and helping you achieve your financial goals.



Start your new journey, with the backing

of American Express

American Express® Gold Card

Reward Your Appetite For Life

Blue Cash Everyday® Card

Make the most out of everyday

Blue Cash Preferred® Card

Maximize your daily routine

Commonly asked questions, with answers